topic Re: What are the max limits for Navy Federal (NFCU) Credit cards ? in Credit Cards

What are the max limits for Navy Federal (NFCU) Credit cards ?

abraham29 — Wed, 25 Oct 2017 01:47:26 GMT

Hello

I have 2 cards, gorewards limit $22k and nrewards limit $5k . What are the max limits these cards can be increased to ?

Also is the cloc still $15k?

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Anonymous — Wed, 25 Oct 2017 01:50:03 GMT

@abraham29 wrote:
Hello

I have 2 cards, gorewards limit $22k and nrewards limit $5k . What are the max limits these cards can be increased to ?

Also is the cloc still $15k?

Every NFCU card's max limit is $50K except the Flagship which can go to $80K

CLOC max is $15K

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

DUISlayer — Wed, 25 Oct 2017 02:22:37 GMT

Not to hijack the thread, but since Irish is so knowledeable about NFCU... I just got the Cash Rewards card. Gonna do a CLI after AR in January. If I were to pursue a second NFCU card, when should I, and which card should I go for? What are the benefits of the Flagship (aside from the higher CL?)

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

RootDet — Wed, 25 Oct 2017 02:36:25 GMT

The flagship is a visa signature card. Otherwise, the reward structure is nothing great. Having one card with them is sufficient IMO. You can get it to grow. Two cards will just cut your overall limit with Navy in half. Navy also does not do reallocations, so you have to close a card and hope they give most/all of the credit line after a cli. Note every CLI above $25k is a hard.

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

DUISlayer — Wed, 25 Oct 2017 02:37:30 GMT

Ah, makes sense. Alright. Thanks for the info

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Loquat — Wed, 25 Oct 2017 12:17:46 GMT

Hi @abraham29 and welcome to the Forum! I don't know if you've had the chance to take a look at the large ongoing Navy Guide thread over in the Applications sub forum. If you haven't had the opportunity I would suggest you take a look when you have a few minutes (or hours ) to spare. There is a lot of good info over there and it helped me a lot when I was started navigating Navy as a member.

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Creditaddict — Wed, 25 Oct 2017 16:18:08 GMT

@RootDet wrote:
The flagship is a visa signature card. Otherwise, the reward structure is nothing great. Having one card with them is sufficient IMO. You can get it to grow. Two cards will just cut your overall limit with Navy in half. Navy also does not do reallocations, so you have to close a card and hope they give most/all of the credit line after a cli. Note every CLI above $25k is a hard.

Many choose multiple cards because of the chance to grow them to $25k with SP and no income verification vs. going to $50k or more is an HP and may require more income verification.

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

AverageJoesCredit — Wed, 25 Oct 2017 16:51:25 GMT

I also thing having 2 cards with Navy is a good thing besides the limits in that you might use one for rewards like CR or one for bts and low apr, the Plat. 2 can cover alot of ground for many. 3 is just being greedy Jk ?

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Anonymous — Sat, 28 Oct 2017 12:15:57 GMT

Just to clarify, the maximum for any one card is $50k except for Flagship, which is $80k. But maximum exposure across all your personal credit cards is $80k.

@Anonymous wrote:
@abraham29 wrote:
Hello

I have 2 cards, gorewards limit $22k and nrewards limit $5k . What are the max limits these cards can be increased to ?

Also is the cloc still $15k?
Every NFCU card's max limit is $50K except the Flagship which can go to $80K

CLOC max is $15K

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Creditaddict — Sat, 28 Oct 2017 14:06:06 GMT

Navy's max unsecured exposure is somewhere around $115 with clic and personal loan and credit cards

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Anonymous — Sat, 28 Oct 2017 14:20:57 GMT

Not sure about personal loans, but the maximum exposure is exactly $95k with personal credit cards and CLOC. CLOC is $15k. Personal CCs are $80k.

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

odjohnson3 — Sat, 21 Apr 2018 23:01:59 GMT

Does anyone have an idea of the income amount Navy Federal Would be looking for to obtain an 80k card? I currently have the Flagship @ 8,000. Ive had it about 1.5 years now but it was maxed from the balance transfers I had so I never received a soft pull credit limit increase. I just paid it off last month and im thinking of increasing. I make about 80 a year....Just wondering if Id even be considered for that with a hard pull....If not, will they counter as they do with a Checking Line of Credit?

Thanks for the help

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Anonymous — Tue, 26 Jun 2018 13:54:50 GMT

Sorry, I just saw your post.

It's hard to say what Navy would do and I'd be very surprised if CreditAddict wouldn't have details to help you. If anybody knows NFCU, it's him. I can say that I personally know people who have income in the $80k range that have $80k in credit card limits with Navy.

Re: What are the max limits for Navy Federal (NFCU) Credit cards ?

Gmoney144 — Tue, 26 Jun 2018 15:42:42 GMT

I have a total of 55,000 in spending limits with NFCU. And 5000 for the CLOC. Interestingly, when I asked for a CLI for my Platinum card the CSR could only raise my limit to 17500 from 10,000 (I asked for a 5000 increase). I’ve seen higher limits posted here.